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  By Dave Ramsey Insurance is like a life jacket. It is a bit of a nuisance when you do not need it, but when you do need it, you are more than thankful to have it. Without it, you could be one car wreck, illness, or house fire away from drowning—not in the ocean, […]

In the previous article, we discussed Physical Damage coverage, also knows as Comprehensive and Collision Insurance on your auto insurance policy, this is the part of your policy that pays to fix your car for things like: glass breakage, tree damage, hail, fire, and other things.   This article will talk about Uninsured and Underinsured […]

In the previous article, we discussed the Medical Payments section of an auto insurance policy, Medical Payment is a no-fault medical coverage that can provide medical expenses, pay your health insurance deductible, or provide for lost wages.    This article will talk about two coverage parts that we as insurance agents generally refer to as […]

In the previous article, we discussed the Liability section of an auto insurance policy, including the limits and the policy’s primary function. This article will cover what is included in the auto liability section and your responsibility should you have a claim exceeding your policy limits. CLICK HERE for Personal Auto Liability     Medical […]

In the previous article, we discussed the Liability section of an auto insurance policy, including the limits and the policy’s primary function. This article will cover what is included in the auto liability section and your responsibility should you have a claim exceeding your policy limits. CLICK HERE for Part 1  If you remember, […]

Liability insurance is a part of an auto insurance policy that takes care of your legal responsibility to others for bodily injury or property damage and provides for legal counsel if needed. It is also your best tool to protect your assets and financial well being. The reality is no prudent person wants to have […]

Auto Insurance can be a little daunting and also frustrating. There are so many coverages, limits, and deductible options that can make it feel overwhelming. It can also be so frustrating because auto insurance typically is one of the more expensive policies we buy.  In this video series, I will see if I can help […]

Every home insurance policy has a list of “triggers” that tell a policy to respond in the event of a claim. That list of triggers is referred to as “causes of loss” or “perils. For this article, I am going to refer to these as perils. When talking about homeowner policies, there are typically two […]

 The purpose of insurance is to get you back into the position you were financially before a claim. The problem is, depending on the policy you have, you may be in for an unpleasant surprise. Every policy pays claims in one of two ways. We call it “valuation”. Valuation refers to the method of […]